{"id":47168,"date":"2026-04-09T09:30:48","date_gmt":"2026-04-09T07:30:48","guid":{"rendered":"https:\/\/www.organisator.ch\/?p=47168"},"modified":"2026-04-09T09:30:48","modified_gmt":"2026-04-09T07:30:48","slug":"zahlungsverhalten-europa-wird-digital-mobil-und-strategisch-unabhaengiger","status":"publish","type":"post","link":"https:\/\/www.organisator.ch\/it\/operational-excellence\/2026-04-09\/zahlungsverhalten-europa-wird-digital-mobil-und-strategisch-unabhaengiger\/","title":{"rendered":"Comportamenti di pagamento: L'Europa sta diventando sempre pi\u00f9 digitale, mobile e strategicamente indipendente"},"content":{"rendered":"<figure id=\"attachment_47169\" aria-describedby=\"caption-attachment-47169\" style=\"width: 680px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-47169\" src=\"https:\/\/www.organisator.ch\/wp-content\/uploads\/2026\/04\/Zahlungsverhalten-Europa-wird-digital-mobil-und-strategisch-unabhaengiger_Organisator.jpg\" alt=\"\" width=\"680\" height=\"453\" srcset=\"https:\/\/www.organisator.ch\/wp-content\/uploads\/2026\/04\/Zahlungsverhalten-Europa-wird-digital-mobil-und-strategisch-unabhaengiger_Organisator.jpg 680w, https:\/\/www.organisator.ch\/wp-content\/uploads\/2026\/04\/Zahlungsverhalten-Europa-wird-digital-mobil-und-strategisch-unabhaengiger_Organisator-18x12.jpg 18w, https:\/\/www.organisator.ch\/wp-content\/uploads\/2026\/04\/Zahlungsverhalten-Europa-wird-digital-mobil-und-strategisch-unabhaengiger_Organisator-375x250.jpg 375w, https:\/\/www.organisator.ch\/wp-content\/uploads\/2026\/04\/Zahlungsverhalten-Europa-wird-digital-mobil-und-strategisch-unabhaengiger_Organisator-525x350.jpg 525w\" sizes=\"auto, (max-width: 680px) 100vw, 680px\" \/><figcaption id=\"caption-attachment-47169\" class=\"wp-caption-text\">I comportamenti di pagamento in Europa stanno diventando sempre pi\u00f9 digitali e senza contatto. (Immagine: Jonas Leupe \/ Unsplash.com)<\/figcaption><\/figure>\n<p>L'ultima edizione dell'indagine sulle transazioni di pagamento a livello europeo condotta dalla societ\u00e0 di consulenza gestionale e tecnologica BearingPoint mostra chiaramente che le transazioni di pagamento in Europa stanno diventando sempre pi\u00f9 digitali, mobili e sicure. Secondo l'indagine, che ha coinvolto partecipanti di nove Paesi europei, i pagamenti con carta senza contatto continuano a dominare la vita quotidiana. Allo stesso tempo, i pagamenti mobili, i trasferimenti in tempo reale e i nuovi meccanismi di sicurezza stanno acquisendo importanza. Anche le iniziative di pagamento europee sono sempre pi\u00f9 riconosciute, insieme a soluzioni nazionali forti come TWINT in Svizzera.<\/p>\n<h3><strong>I pagamenti con carta senza contatto rimangono leader <\/strong><\/h3>\n<p>I pagamenti con carta contactless sono il metodo di pagamento pi\u00f9 utilizzato in tutta Europa. In media, 71% degli intervistati utilizzano pagamenti con carte contactless, rispetto a 51% per i contanti. L'utilizzo \u00e8 particolarmente elevato in Finlandia (84%), seguita da Paesi Bassi e Danimarca (74 % ciascuno), Irlanda e Svezia (73 % ciascuno) e Francia (72 %).<br \/>\n\u00a0<br \/>\nSebbene la Svizzera, con 68%, sia leggermente al di sotto della media europea, ha comunque un'alta penetrazione di pagamenti con carta senza contatto. Ci\u00f2 la rende, insieme alla Germania (63 %) e all'Austria (62 %), uno dei Paesi con un utilizzo relativamente moderato, in parte dovuto alla forte posizione dei metodi di pagamento digitali alternativi.<\/p>\n<h3><strong>I pagamenti mobili stanno acquisendo importanza tra le giovani generazioni <\/strong><\/h3>\n<p>Le generazioni pi\u00f9 giovani, fino ai 44 anni, immaginano di utilizzare i pagamenti mobili sempre pi\u00f9 frequentemente nei prossimi due anni. Mentre 35% degli intervistati nella fascia d'et\u00e0 compresa tra i 35 e i 44 anni immaginano di farlo, la fascia d'et\u00e0 compresa tra i 18 e i 24 anni ha una cifra elevata di 40% e la fascia d'et\u00e0 compresa tra i 25 e i 34 anni \u00e8 in cima alla lista con 41%.\u00a0<br \/>\n\u00a0<br \/>\nD'altra parte, il gruppo di et\u00e0 superiore ai 45 anni pu\u00f2 immaginare di pagare sempre pi\u00f9 spesso con la carta. Mentre la fascia di et\u00e0 compresa tra i 45 e i 54 anni ha gi\u00e0 raggiunto un valore elevato di 29%, la fascia di et\u00e0 superiore ai 55 anni ha il valore pi\u00f9 alto, pari a 31%.<br \/>\n\u00a0<br \/>\nLe criptovalute rimangono un argomento marginale nei comportamenti di pagamento. Uno su dieci dei giovani tra i 18 e i 44 anni (10%) pu\u00f2 immaginare di utilizzare le criptovalute con maggiore frequenza nei prossimi due anni. Nella fascia di et\u00e0 compresa tra i 45 e i 54 anni, solo uno su 25 (4%) pu\u00f2 immaginare di farlo, e nella fascia di et\u00e0 superiore ai 55 anni solo uno su 100 (1%).<\/p>\n<h3><strong>Aspettativa confermata: Una persona su due utilizza i trasferimenti in tempo reale <\/strong><\/h3>\n<p>In media, poco pi\u00f9 della met\u00e0 degli intervistati nei Paesi dell'euro (circa 50 %) utilizza regolarmente o occasionalmente i bonifici in tempo reale. I primi posti sono occupati dalla Francia (69 %) e dall'Irlanda (63 %).<br \/>\n\u00a0<br \/>\nNei Paesi non appartenenti all'euro, compresa la Svizzera, l'utilizzo \u00e8 leggermente inferiore, pari a 47 %. Tuttavia, \u00e8 chiaro che i pagamenti istantanei si sono affermati come strumento di pagamento rilevante anche al di fuori dell'area dell'euro, in particolare nell'ambiente digitale.<br \/>\n\u00a0<br \/>\nChristian Bruck, partner ed esperto di transazioni di pagamento di BearingPoint, commenta: \u00abLe transazioni di pagamento del futuro saranno ibride. Contanti, carte, portafogli, pagamenti istantanei e valute digitali delle banche centrali coesisteranno. PSD3, PSR, MiCA, DORA e il regolamento UE sui pagamenti istantanei creeranno il quadro normativo pi\u00f9 completo che i pagamenti europei abbiano mai visto\u00bb.\u00bb<\/p>\n<h3><strong>Dominano le soluzioni P2P nazionali - TWINT caratterizza la Svizzera<\/strong><\/h3>\n<p>Le soluzioni di pagamento mobile nazionali continuano a dominare i pagamenti tra privati. In Svizzera, TWINT \u00e8 chiaramente affermato ed \u00e8 utilizzato dal 66 % degli intervistati. Le soluzioni nazionali si sono affermate anche in altri Paesi, come MobilePay in Danimarca (92 %), Swish in Svezia (86 %), Tikkie nei Paesi Bassi (71 %) e MobilePay in Finlandia (61 %).<br \/>\n\u00a0<br \/>\nAllo stesso tempo, Wero \u00e8 la prima soluzione di pagamento europea a essere riconosciuta oltre i confini nazionali. Il livello di consapevolezza \u00e8 particolarmente elevato in Francia, dove 19 % utilizzano Wero per le transazioni tra privati.\u00a0<br \/>\n\u00a0<br \/>\nKatharina Casanova, Partner di BearingPoint Svizzera, classifica i risultati come segue: \u00abLa Svizzera opera in un ecosistema di pagamenti ibrido e altamente sviluppato. Mentre i pagamenti con carta contactless e TWINT sono saldamente radicati nella vita quotidiana, cresce l'interesse per le nuove soluzioni digitali e interoperabili a livello europeo. Per la Svizzera, la sovranit\u00e0 digitale significa soprattutto armonizzare l'innovazione, la sicurezza e la facilit\u00e0 d'uso, in concomitanza con gli sviluppi normativi in Europa.\u00bb\u00a0<\/p>\n<p><em>Fonte: <a href=\"http:\/\/www.bearingpoint.com\/switzerland\">BearingPoint<\/a><\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>Le transazioni di pagamento in Europa stanno diventando pi\u00f9 veloci, pi\u00f9 digitali e pi\u00f9 sicure: i pagamenti con carta senza contatto rimangono dominanti, mentre i pagamenti mobili stanno diventando sempre pi\u00f9 importanti, soprattutto tra i gruppi di utenti pi\u00f9 giovani. Allo stesso tempo, i trasferimenti in tempo reale si stanno affermando sempre pi\u00f9 nella vita quotidiana. Oltre a soluzioni nazionali forti come TWINT, cresce anche la consapevolezza delle iniziative europee, segno della crescente domanda di sovranit\u00e0 digitale.  <\/p>","protected":false},"author":4,"featured_media":47169,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_focuskw":"Zahlungsverhalten","_yoast_wpseo_metadesc":"Zahlungsverhalten: Kontaktlose Kartenzahlungen bleiben dominant, w\u00e4hrend Mobile Payments insbesondere bei j\u00fcngeren Nutzern wichtiger werden.","articlekey":"","footnotes":""},"categories":[582],"tags":[202,459,5951],"class_list":["post-47168","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-operational-excellence","tag-finanzenrecht","tag-studie","tag-zahlungsverhalten"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Zahlungsverhalten: Europa wird digital, mobil und strategisch unabh\u00e4ngiger - Organisator<\/title>\n<meta name=\"description\" content=\"Zahlungsverhalten: Kontaktlose Kartenzahlungen bleiben dominant, w\u00e4hrend Mobile Payments insbesondere bei j\u00fcngeren Nutzern wichtiger werden.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.organisator.ch\/it\/eccellenza-operativa\/2026-04-09\/zahlungsverhalten-europa-wird-digital-mobil-und-strategisch-unabhaengiger\/\" \/>\n<meta property=\"og:locale\" content=\"it_IT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Zahlungsverhalten: Europa wird digital, mobil und strategisch unabh\u00e4ngiger\" \/>\n<meta property=\"og:description\" content=\"Zahlungsverhalten: Kontaktlose Kartenzahlungen bleiben dominant, w\u00e4hrend Mobile Payments insbesondere bei j\u00fcngeren Nutzern wichtiger werden.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.organisator.ch\/it\/eccellenza-operativa\/2026-04-09\/zahlungsverhalten-europa-wird-digital-mobil-und-strategisch-unabhaengiger\/\" \/>\n<meta property=\"og:site_name\" content=\"Organisator\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/OrganisatorFachmagazin\" \/>\n<meta property=\"article:published_time\" content=\"2026-04-09T07:30:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.organisator.ch\/wp-content\/uploads\/2026\/04\/Zahlungsverhalten-Europa-wird-digital-mobil-und-strategisch-unabhaengiger_Organisator.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"680\" \/>\n\t<meta property=\"og:image:height\" content=\"453\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"thomas.berner\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"#Zahlungsverhalten: Europa wird digital, mobil und strategisch unabh\u00e4ngiger\" \/>\n<meta name=\"twitter:description\" content=\"#Zahlungsverhalten: Kontaktlose #Kartenzahlungen bleiben dominant, w\u00e4hrend Mobile #Payments insbesondere bei j\u00fcngeren Nutzern wichtiger werden.\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www.organisator.ch\/wp-content\/uploads\/2026\/04\/Zahlungsverhalten-Europa-wird-digital-mobil-und-strategisch-unabhaengiger_Organisator.jpg\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.organisator.ch\\\/operational-excellence\\\/2026-04-09\\\/zahlungsverhalten-europa-wird-digital-mobil-und-strategisch-unabhaengiger\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.organisator.ch\\\/operational-excellence\\\/2026-04-09\\\/zahlungsverhalten-europa-wird-digital-mobil-und-strategisch-unabhaengiger\\\/\"},\"author\":{\"name\":\"thomas.berner\",\"@id\":\"https:\\\/\\\/www.organisator.ch\\\/#\\\/schema\\\/person\\\/6f650f90b2842cd4c0cc334b4e36f67e\"},\"headline\":\"Zahlungsverhalten: Europa wird digital, mobil und strategisch unabh\u00e4ngiger\",\"datePublished\":\"2026-04-09T07:30:48+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.organisator.ch\\\/operational-excellence\\\/2026-04-09\\\/zahlungsverhalten-europa-wird-digital-mobil-und-strategisch-unabhaengiger\\\/\"},\"wordCount\":634,\"publisher\":{\"@id\":\"https:\\\/\\\/www.organisator.ch\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.organisator.ch\\\/operational-excellence\\\/2026-04-09\\\/zahlungsverhalten-europa-wird-digital-mobil-und-strategisch-unabhaengiger\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.organisator.ch\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/Zahlungsverhalten-Europa-wird-digital-mobil-und-strategisch-unabhaengiger_Organisator.jpg\",\"keywords\":[\"Finanzen\\\/Recht\",\"Studie\",\"Zahlungsverhalten\"],\"articleSection\":[\"OPERATIONAL EXCELLENCE\"],\"inLanguage\":\"it-IT\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.organisator.ch\\\/operational-excellence\\\/2026-04-09\\\/zahlungsverhalten-europa-wird-digital-mobil-und-strategisch-unabhaengiger\\\/\",\"url\":\"https:\\\/\\\/www.organisator.ch\\\/operational-excellence\\\/2026-04-09\\\/zahlungsverhalten-europa-wird-digital-mobil-und-strategisch-unabhaengiger\\\/\",\"name\":\"Zahlungsverhalten: Europa wird digital, mobil und strategisch unabh\u00e4ngiger - Organisator\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.organisator.ch\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.organisator.ch\\\/operational-excellence\\\/2026-04-09\\\/zahlungsverhalten-europa-wird-digital-mobil-und-strategisch-unabhaengiger\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.organisator.ch\\\/operational-excellence\\\/2026-04-09\\\/zahlungsverhalten-europa-wird-digital-mobil-und-strategisch-unabhaengiger\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.organisator.ch\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/Zahlungsverhalten-Europa-wird-digital-mobil-und-strategisch-unabhaengiger_Organisator.jpg\",\"datePublished\":\"2026-04-09T07:30:48+00:00\",\"description\":\"Zahlungsverhalten: Kontaktlose Kartenzahlungen bleiben dominant, w\u00e4hrend Mobile Payments insbesondere bei j\u00fcngeren Nutzern wichtiger werden.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.organisator.ch\\\/operational-excellence\\\/2026-04-09\\\/zahlungsverhalten-europa-wird-digital-mobil-und-strategisch-unabhaengiger\\\/#breadcrumb\"},\"inLanguage\":\"it-IT\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.organisator.ch\\\/operational-excellence\\\/2026-04-09\\\/zahlungsverhalten-europa-wird-digital-mobil-und-strategisch-unabhaengiger\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"it-IT\",\"@id\":\"https:\\\/\\\/www.organisator.ch\\\/operational-excellence\\\/2026-04-09\\\/zahlungsverhalten-europa-wird-digital-mobil-und-strategisch-unabhaengiger\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.organisator.ch\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/Zahlungsverhalten-Europa-wird-digital-mobil-und-strategisch-unabhaengiger_Organisator.jpg\",\"contentUrl\":\"https:\\\/\\\/www.organisator.ch\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/Zahlungsverhalten-Europa-wird-digital-mobil-und-strategisch-unabhaengiger_Organisator.jpg\",\"width\":680,\"height\":453,\"caption\":\"Das Zahlungsverhalten in Europa wird zunehmend digital und kontaktlos. (Bild: Jonas Leupe \\\/ Unsplash.com)\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.organisator.ch\\\/operational-excellence\\\/2026-04-09\\\/zahlungsverhalten-europa-wird-digital-mobil-und-strategisch-unabhaengiger\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.organisator.ch\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Zahlungsverhalten: Europa wird digital, mobil und strategisch unabh\u00e4ngiger\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.organisator.ch\\\/#website\",\"url\":\"https:\\\/\\\/www.organisator.ch\\\/\",\"name\":\"Organisator\",\"description\":\"Kompetent. Praxisnah. Der ORGANISATOR bereitet in 10 Ausgaben pro Jahr die wesentlichen Themen f\u00fcr F\u00fchrungskr\u00e4fte von KMU auf.\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.organisator.ch\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.organisator.ch\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"it-IT\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.organisator.ch\\\/#organization\",\"name\":\"Organisator\",\"url\":\"https:\\\/\\\/www.organisator.ch\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"it-IT\",\"@id\":\"https:\\\/\\\/www.organisator.ch\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.organisator.ch\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/Logo_Organisator_Website.png\",\"contentUrl\":\"https:\\\/\\\/www.organisator.ch\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/Logo_Organisator_Website.png\",\"width\":800,\"height\":77,\"caption\":\"Organisator\"},\"image\":{\"@id\":\"https:\\\/\\\/www.organisator.ch\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/OrganisatorFachmagazin\",\"https:\\\/\\\/www.linkedin.com\\\/showcase\\\/organisator-das-magazin-fr-kmu\",\"https:\\\/\\\/www.xing.com\\\/news\\\/pages\\\/organisator-ch-695\",\"https:\\\/\\\/www.youtube.com\\\/channel\\\/UCGP2Sq0iWaZwT3BdIAQFYpw\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.organisator.ch\\\/#\\\/schema\\\/person\\\/6f650f90b2842cd4c0cc334b4e36f67e\",\"name\":\"thomas.berner\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"it-IT\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ac5001d2a36cb6c6cd3e50789007ffca834b477b74a2144564522e944eabff61?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ac5001d2a36cb6c6cd3e50789007ffca834b477b74a2144564522e944eabff61?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ac5001d2a36cb6c6cd3e50789007ffca834b477b74a2144564522e944eabff61?s=96&d=mm&r=g\",\"caption\":\"thomas.berner\"},\"url\":\"https:\\\/\\\/www.organisator.ch\\\/it\\\/author\\\/thomas-berner\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Comportamenti di pagamento: L'Europa diventa sempre pi\u00f9 digitale, mobile e strategicamente indipendente - Organizzatore","description":"Comportamento di pagamento: I pagamenti con carta senza contatto rimangono dominanti, mentre i pagamenti mobili stanno diventando sempre pi\u00f9 importanti, soprattutto tra gli utenti pi\u00f9 giovani.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.organisator.ch\/it\/eccellenza-operativa\/2026-04-09\/zahlungsverhalten-europa-wird-digital-mobil-und-strategisch-unabhaengiger\/","og_locale":"it_IT","og_type":"article","og_title":"Zahlungsverhalten: Europa wird digital, mobil und strategisch unabh\u00e4ngiger","og_description":"Zahlungsverhalten: Kontaktlose Kartenzahlungen bleiben dominant, w\u00e4hrend Mobile Payments insbesondere bei j\u00fcngeren Nutzern wichtiger werden.","og_url":"https:\/\/www.organisator.ch\/it\/eccellenza-operativa\/2026-04-09\/zahlungsverhalten-europa-wird-digital-mobil-und-strategisch-unabhaengiger\/","og_site_name":"Organisator","article_publisher":"https:\/\/www.facebook.com\/OrganisatorFachmagazin","article_published_time":"2026-04-09T07:30:48+00:00","og_image":[{"width":680,"height":453,"url":"https:\/\/www.organisator.ch\/wp-content\/uploads\/2026\/04\/Zahlungsverhalten-Europa-wird-digital-mobil-und-strategisch-unabhaengiger_Organisator.jpg","type":"image\/jpeg"}],"author":"thomas.berner","twitter_card":"summary_large_image","twitter_title":"#Zahlungsverhalten: Europa wird digital, mobil und strategisch unabh\u00e4ngiger","twitter_description":"#Zahlungsverhalten: Kontaktlose #Kartenzahlungen bleiben dominant, w\u00e4hrend Mobile #Payments insbesondere bei j\u00fcngeren Nutzern wichtiger werden.","twitter_image":"https:\/\/www.organisator.ch\/wp-content\/uploads\/2026\/04\/Zahlungsverhalten-Europa-wird-digital-mobil-und-strategisch-unabhaengiger_Organisator.jpg","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.organisator.ch\/operational-excellence\/2026-04-09\/zahlungsverhalten-europa-wird-digital-mobil-und-strategisch-unabhaengiger\/#article","isPartOf":{"@id":"https:\/\/www.organisator.ch\/operational-excellence\/2026-04-09\/zahlungsverhalten-europa-wird-digital-mobil-und-strategisch-unabhaengiger\/"},"author":{"name":"thomas.berner","@id":"https:\/\/www.organisator.ch\/#\/schema\/person\/6f650f90b2842cd4c0cc334b4e36f67e"},"headline":"Zahlungsverhalten: Europa wird digital, mobil und strategisch unabh\u00e4ngiger","datePublished":"2026-04-09T07:30:48+00:00","mainEntityOfPage":{"@id":"https:\/\/www.organisator.ch\/operational-excellence\/2026-04-09\/zahlungsverhalten-europa-wird-digital-mobil-und-strategisch-unabhaengiger\/"},"wordCount":634,"publisher":{"@id":"https:\/\/www.organisator.ch\/#organization"},"image":{"@id":"https:\/\/www.organisator.ch\/operational-excellence\/2026-04-09\/zahlungsverhalten-europa-wird-digital-mobil-und-strategisch-unabhaengiger\/#primaryimage"},"thumbnailUrl":"https:\/\/www.organisator.ch\/wp-content\/uploads\/2026\/04\/Zahlungsverhalten-Europa-wird-digital-mobil-und-strategisch-unabhaengiger_Organisator.jpg","keywords":["Finanzen\/Recht","Studie","Zahlungsverhalten"],"articleSection":["OPERATIONAL EXCELLENCE"],"inLanguage":"it-IT"},{"@type":"WebPage","@id":"https:\/\/www.organisator.ch\/operational-excellence\/2026-04-09\/zahlungsverhalten-europa-wird-digital-mobil-und-strategisch-unabhaengiger\/","url":"https:\/\/www.organisator.ch\/operational-excellence\/2026-04-09\/zahlungsverhalten-europa-wird-digital-mobil-und-strategisch-unabhaengiger\/","name":"Comportamenti di pagamento: L'Europa diventa sempre pi\u00f9 digitale, mobile e strategicamente indipendente - Organizzatore","isPartOf":{"@id":"https:\/\/www.organisator.ch\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.organisator.ch\/operational-excellence\/2026-04-09\/zahlungsverhalten-europa-wird-digital-mobil-und-strategisch-unabhaengiger\/#primaryimage"},"image":{"@id":"https:\/\/www.organisator.ch\/operational-excellence\/2026-04-09\/zahlungsverhalten-europa-wird-digital-mobil-und-strategisch-unabhaengiger\/#primaryimage"},"thumbnailUrl":"https:\/\/www.organisator.ch\/wp-content\/uploads\/2026\/04\/Zahlungsverhalten-Europa-wird-digital-mobil-und-strategisch-unabhaengiger_Organisator.jpg","datePublished":"2026-04-09T07:30:48+00:00","description":"Comportamento di pagamento: I pagamenti con carta senza contatto rimangono dominanti, mentre i pagamenti mobili stanno diventando sempre pi\u00f9 importanti, soprattutto tra gli utenti pi\u00f9 giovani.","breadcrumb":{"@id":"https:\/\/www.organisator.ch\/operational-excellence\/2026-04-09\/zahlungsverhalten-europa-wird-digital-mobil-und-strategisch-unabhaengiger\/#breadcrumb"},"inLanguage":"it-IT","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.organisator.ch\/operational-excellence\/2026-04-09\/zahlungsverhalten-europa-wird-digital-mobil-und-strategisch-unabhaengiger\/"]}]},{"@type":"ImageObject","inLanguage":"it-IT","@id":"https:\/\/www.organisator.ch\/operational-excellence\/2026-04-09\/zahlungsverhalten-europa-wird-digital-mobil-und-strategisch-unabhaengiger\/#primaryimage","url":"https:\/\/www.organisator.ch\/wp-content\/uploads\/2026\/04\/Zahlungsverhalten-Europa-wird-digital-mobil-und-strategisch-unabhaengiger_Organisator.jpg","contentUrl":"https:\/\/www.organisator.ch\/wp-content\/uploads\/2026\/04\/Zahlungsverhalten-Europa-wird-digital-mobil-und-strategisch-unabhaengiger_Organisator.jpg","width":680,"height":453,"caption":"Das Zahlungsverhalten in Europa wird zunehmend digital und kontaktlos. (Bild: Jonas Leupe \/ Unsplash.com)"},{"@type":"BreadcrumbList","@id":"https:\/\/www.organisator.ch\/operational-excellence\/2026-04-09\/zahlungsverhalten-europa-wird-digital-mobil-und-strategisch-unabhaengiger\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.organisator.ch\/"},{"@type":"ListItem","position":2,"name":"Zahlungsverhalten: Europa wird digital, mobil und strategisch unabh\u00e4ngiger"}]},{"@type":"WebSite","@id":"https:\/\/www.organisator.ch\/#website","url":"https:\/\/www.organisator.ch\/","name":"Organizzatore","description":"Competente. Pratico. In 10 numeri all'anno, ORGANISATOR presenta i temi essenziali per i manager delle PMI.","publisher":{"@id":"https:\/\/www.organisator.ch\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.organisator.ch\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"it-IT"},{"@type":"Organization","@id":"https:\/\/www.organisator.ch\/#organization","name":"Organizzatore","url":"https:\/\/www.organisator.ch\/","logo":{"@type":"ImageObject","inLanguage":"it-IT","@id":"https:\/\/www.organisator.ch\/#\/schema\/logo\/image\/","url":"https:\/\/www.organisator.ch\/wp-content\/uploads\/2022\/01\/Logo_Organisator_Website.png","contentUrl":"https:\/\/www.organisator.ch\/wp-content\/uploads\/2022\/01\/Logo_Organisator_Website.png","width":800,"height":77,"caption":"Organisator"},"image":{"@id":"https:\/\/www.organisator.ch\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/OrganisatorFachmagazin","https:\/\/www.linkedin.com\/showcase\/organisator-das-magazin-fr-kmu","https:\/\/www.xing.com\/news\/pages\/organisator-ch-695","https:\/\/www.youtube.com\/channel\/UCGP2Sq0iWaZwT3BdIAQFYpw"]},{"@type":"Person","@id":"https:\/\/www.organisator.ch\/#\/schema\/person\/6f650f90b2842cd4c0cc334b4e36f67e","name":"Tommaso.berner","image":{"@type":"ImageObject","inLanguage":"it-IT","@id":"https:\/\/secure.gravatar.com\/avatar\/ac5001d2a36cb6c6cd3e50789007ffca834b477b74a2144564522e944eabff61?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ac5001d2a36cb6c6cd3e50789007ffca834b477b74a2144564522e944eabff61?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/ac5001d2a36cb6c6cd3e50789007ffca834b477b74a2144564522e944eabff61?s=96&d=mm&r=g","caption":"thomas.berner"},"url":"https:\/\/www.organisator.ch\/it\/author\/thomas-berner\/"}]}},"_links":{"self":[{"href":"https:\/\/www.organisator.ch\/it\/wp-json\/wp\/v2\/posts\/47168","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.organisator.ch\/it\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.organisator.ch\/it\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.organisator.ch\/it\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.organisator.ch\/it\/wp-json\/wp\/v2\/comments?post=47168"}],"version-history":[{"count":3,"href":"https:\/\/www.organisator.ch\/it\/wp-json\/wp\/v2\/posts\/47168\/revisions"}],"predecessor-version":[{"id":47309,"href":"https:\/\/www.organisator.ch\/it\/wp-json\/wp\/v2\/posts\/47168\/revisions\/47309"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.organisator.ch\/it\/wp-json\/wp\/v2\/media\/47169"}],"wp:attachment":[{"href":"https:\/\/www.organisator.ch\/it\/wp-json\/wp\/v2\/media?parent=47168"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.organisator.ch\/it\/wp-json\/wp\/v2\/categories?post=47168"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.organisator.ch\/it\/wp-json\/wp\/v2\/tags?post=47168"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}